What Happens If You Don’t Have an Estate Plan?

Many people assume Estate Planning is optional — something to do “later” or only if you have significant assets. But what happens if you don’t? When there is no plan in place, decisions don’t disappear. They’re simply made by the court, using default rules that may not reflect your wishes or your family’s needs. In Michigan, if you die without an Estate Plan, state intestacy laws determine who inherits what and who is placed in charge.

The State Has a Plan — It’s Just Not Yours

If you pass away without an Estate Plan, state law determines:

• Who inherits your assets
• Who manages your estate
• Who serves as guardian for minor children
• How disputes are resolved

These laws are designed to be neutral — not personal.

What This Can Mean for Families

Probate Is Inevitable

Without a plan, probate is often unavoidable. This process can be time-consuming, public, and stressful for families already dealing with loss.

Delays and Court Costs

Your loved ones may face delays accessing funds, paying expenses, or handling property — all while legal costs reduce what’s left behind.

Family Conflict

When instructions are unclear or missing, misunderstandings and disputes become more likely — even in families that normally get along.

No Protection During Incapacity

Estate Planning isn’t only about death. Without powers of attorney, your family may need court approval to help you if you become incapacitated. Michigan courts may need to appoint a guardian or conservator before anyone can legally act on your behalf.

“But Everything Would Just Go to My Family… Right?”

Not always. Intestacy laws don’t account for:

• Blended families
• Long-term partners who aren’t legally married
• Estranged relatives
• Children with special needs
• Personal values or intentions

The Takeaway

Not having an Estate Plan doesn’t mean “nothing happens.” It means important decisions are made without your input — often at the worst possible time. Planning allows you to make these decisions yourself, avoiding probate, rather than leaving them to Michigan’s default rules.

Planning is an act of care, not fear.

Call or text us at 989-872-5601 to schedule an appointment and take the first step toward peace of mind.